Partial sale providers in comparison! House

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Partial sale providers compared – big house, big apartment, but too little liquid capital in everyday life? This partial sale provider comparison saves you several hours of research, calculation and the tedious task of understanding the differences. You get to know all the relevant providers – German Partial Purchase, Hausanker, Value Factor, Partial Sale One, Hausvorsorge, Engel & Völkers Liquidhome – including conditions, usage fees, execution fees, minimum real estate value and test winners. Plus: cumulative cost calculation over 15 years, risks (insolvency of the partial buyer, nursing care case, death), alternatives (life annuity, usufruct, reverse mortgage) and a compact FAQ. Goal: a well-informed decision on whether a partial sale is even sensible for your life situation.

Key Facts -

What does real estate partial sale mean?

Short definition in one sentence

The most important questions before a partial purchase

The key factors in partial purchase

Provider comparison table: all conditions at a glance

6 Providers Compared – Test Winner & Ranking

Rank 1: Deutsche Teilkauf – Best Price-Performance

Rank 2: Hausanker – Best Conditions (Sister Company)

Place 3: Teilverkauf One

Place 4: Wertfaktor

Place 5: Hausvorsorge

Position 6: Engel & Völkers Liquidhome

Cumulative cost calculation over 15 years – the worst-case scenario

Detail profiles of the providers

German Partial Purchase – Winner of the Test in Detail

HouseAnchor – Sister Product of German Partial Purchase

ValueFactor – With Transaction Fee

HomeProtection

Engel & Völkers Liquidhome

Risks & critical scenarios – these are rarely explained

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What does real estate partial sale mean?

With a partial sale, you sell a portion of your property (usually 10–50 %) to a specialized financial company. In doing so, you become part of a community of owners consisting of two parties. Since you remain the sole user of the entire property, the financial company demands a monthly usage fee – economically comparable to rent on the sold portion. The basis for every calculation is the current market value of your property, which is determined by an appraisal.

Short definition in one sentence

Partial sale = You sell a co-ownership share, retain the sole right of use (a right established via a partition agreement or usufruct), pay monthly usage fee – upon later full sale, the partial buyer receives their share plus appreciation and possibly a transaction fee back.

The most important questions before a partial purchase

Sell a house share? Yes – most providers accept 10–50 % share.
Sell an apartment share? Yes, provided the minimum value (usually 100,000–250,000 €) is met.
Sell a plot share? Possible with some providers, but restricted.
Advantage? Bank-independent, fast liquidity without creditworthiness check as with a loan.
Disadvantage? Usage fee of about 2.75–3.5 % p. a. plus transaction fee upon full sale.
Risk? Often less remains upon later sale than the inflation eats away.

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The key factors in partial purchase

Anyone who wants to compare providers thoroughly must understand five levers:

Market value of the property (example: 500,000 €)
Immediate cash payout (desired liquidity, e.g. 100,000 €)
Sold share in percent (e.g. 20 %)
Monthly usage fee (in % p.a. of the payout)
Conditions in the full sale (transaction fee, minimum sales guarantee, share of value increase)

The two key questions are:

How high is the ongoing usage fee – and does it accumulate over your remaining term to a manageable amount?
How much remains after the later full sale, taking into account the value increase and fees?

Rule of thumb: If the usage fee p.a. is higher than the current construction interest rate for a mortgage loan, the partial purchase is purely financially the more expensive solution.

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Provider comparison table: all conditions at a glance

Example basis: Property value 500,000 €, sold share 20 %, immediate payout 100,000 €.

Provider	Usage fee p. a.	€/Month	Share min/max	Minimum property value	Execution fee	Remaining amount after 15 years*
Deutsche Teilkauf	2.89 %	241 €	10–50 %	approx. 100,000 €	0 %	566,103 €
Hausanker	2.90 %	242 €	10–50 %	approx. 100,000 €	0 %	566,103 €
Teilverkauf One	2.89 %	241 €	10–50 %	approx. 150,000 €	moderate	~ 559,000 €
Wertfaktor	2.90 %	242 €	20–50 %	approx. 100,000 €	4.06 %	538,368 €
Hausvorsorge	2.90 %	242 €	20–50 %	approx. 200,000 €	6.12 %	505,373 €
Engel & Völkers Liquidhome	2.75 %	229 €	10–50 %	approx. 250,000 €	6.86 %	501,336 €

*Remaining profit after total sale after 15 years assuming an approximate 35 % increase in value. Usage fees are example calculations, individual conditions vary depending on location, property, and negotiation.

6 Providers Compared – Test Winner & Ranking

Overview with test winner and detailed reasoning. Evaluated: Usage fee amount, execution fee amount, remaining profit after total sale, minimum property value, transparency.

Rank 1: Deutsche Teilkauf – Best Price-Performance

Currently leading provider thanks to low usage fee and – crucially – complete waiver of execution fee upon total sale.

Usage fee p. a. = 2.89 % = 241 €/Month
Remaining profit after 15 years = + 41.53 % vs. immediate payout
No execution fee
Rate on Deutsche Teilkauf

Rank 2: Hausanker – Best Conditions (Sister Company)

Operational part of the Deutsche-Teilkauf Group, almost identical conditions, merely +1 €/month usage fee.

Usage fee p. a. = 2.90 % = 242 €/month
Remaining profit after 15 years = + 41.53 %
No execution fee
Have it assessed on Hausanker

Place 3: Teilverkauf One

Fair conditions regarding the usage fee, however slightly weaker remaining profits in the case of the full sale.

Usage fee p. a. = 2.89 % = 241 €/month
Remaining profit after 15 years = + 28.50 %
Have it assessed on Teilverkauf One

Place 4: Wertfaktor

Established provider with a large market share, however an execution fee of approximately 4 % of the total sale – this noticeably reduces the remaining profit.

Usage fee p. a. = 2.90 % = 242 €/month
Remaining profit after 15 years = + 29.13 %
Execution fee: approx. 4.06 %
Have it assessed on Wertfaktor

Place 5: Hausvorsorge

The monthly fee is the same as the value factor, but the execution fee is significantly higher – in total, you are about 15 % below the winner of the test.

Usage fee p. a. = 2.90 % = 242 €/Month
Remaining proceeds after 15 years = + 26.34 %
Execution fee: approx. 6.12 %

Position 6: Engel & Völkers Liquidhome

Lowest usage fee on the market, but highest execution fee – attractive for owners with a short remaining usage period (e.g. 5–7 years).

Usage fee p. a. = 2.75 % = 229 €/Month
Remaining proceeds after 15 years = + 25.33 %
Execution fee: approx. 6.86 %
Minimum property value: approx. 250,000 €

Cumulative cost calculation over 15 years – the worst-case scenario

What many calculators from providers overlook: The monthly usage fee adds up. Example: 100,000 € immediate payout, 20 % share, 15-year term:

Position	Testsieger Deutsche Teilkauf	Engel & Völkers	Hausvorsorge
Immediate payout	+ 100,000 €	+ 100,000 €	+ 100,000 €
Usage fee 15 years	− 43,380 €	− 41,220 €	− 43,560 €
Remaining profit from total sale	+ 566,103 €	+ 501,336 €	+ 505,373 €
Comparison: Full sale today (500k) + 35 % value increase	+ 675,000 €	+ 675,000 €	+ 675,000 €
Difference to full sale	− 152,277 €	− 214,884 €	− 213,187 €

Plain language: Over 15 years, the comfort of staying in the home costs the winner of the test approximately 152,000 €, over 214,000 € with the most expensive provider – compared to the classic full sale followed by a rental solution.